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RELATED: Authorities investigating inmate death at George Bailey Detention Facility"Pickett and one other inmate were housed together in the cell, and 153

Your credit score. It's the magic three-digit number that offers you access to a world of opportunity, like renting a fabulous apartment, or snagging a cheaper rate on a home mortgage or a car loan.Yet one in five Millennials have never even checked their credit score, according to new data by LendEDU, an online marketplace for student loan refinancing.But if you're not planning on making any major purchases, do you really need good credit?Most people are familiar with the notion of presenting your credit score when you lease a car or rent an apartment. But everything from your deposit requirements set by utility companies to the premium you pay for your insurance can be affected by your credit score, according to Jeff Richardson, a credit expert at VantageScore."A low credit score can mean the difference of thousands and thousands of dollars," says Richardson.Here are three ways you may be really mismanaging your credit:1. Getting sloppy with contractsYou're nearing the end of a car or apartment lease, and the end is in sight. But forgetting to pay that final utility bill before moving, or defaulting on your apartment lease, can land your credit score in hot water, says John Ulzheimer, a credit expert at The Ulzheimer Group."Not paying final utility bills is a particularly important to be wary of since young people tend to be more nomadic than older people," he says.You can also end up with a lower credit score by running up excessive mileage on a car lease or failing to pay for damage to an automobile or an apartment."These are the terms that are often overlooked by younger credit users and jump up to bite them in the form of a large lump sum required payment," he says.2. Overdoing it with credit card applicationsIt can be tempting to apply for retail credit cards to save some money on your shopping purchases, but failing to space out applications can temporarily damage your credit score, according to Ulzheimer.He notes that young people should be particularly cautious over the holidays, when many retailers urge people to take advantage of big discounts for holiday sales.Every time you apply, the creditor will run a credit check before they approve you for a new card.Not only are the credit checks a temporary drag on your score, but opening new cards can drag down the average age of your credit history, another factor that weighs on your score."[Retail cards] result in several new credit inquiries and new accounts, and both of those can hurt your credit scores," he says.3. Avoiding credit altogetherThese days, it feels increasingly easier to avoid using credit cards. Apple Pay, Paypal, Venmo and prepaid debit cards have vastly changed the way people make financial transactions."Back in the day there were very little options outside of a general use credit card," says Richardson.Today, however, young people can't even access credit cards until they have proof of income, as a result of the Credit Card Act of 2009. That is causing many people to delay building their credit score -- a mistake that may haunt them as they try to make larger purchases later in life, according to Richardson."Unless you're going to write a check to buy a car or house, you're going to need some sort of credit," he says. "Credit avoidance is simply not credit management." 3329

in his Halloween display, he can't even count them all.He's been at this since 2015, each year growing his show at 3031 Gold Dust St. in Plainfield Township just a little more. 178

can mean doubling your salary overnight.But a cheating scandal last October rocked this elite world of wine. A member of the board of directors of the Court of Master Sommeliers was caught sharing answers about which wines were served on the tasting portion of the exam. The Court said it couldn't identify which candidates received answers, so 23 newly minted master sommeliers were summarily stripped of their titles. Now, nearly a year later, 448

With the rising cost of higher education, that is leaving fewer dollars in students' pockets. One example of the effect rising costs are possibly having on students is some students are going hungry. According to a Temple University study, nearly 36 percent of students were considered food insecure at some point in the proceeding 30 days of the study. Food insecurity is defined as limited or uncertain access to nutritional food. The study involved 66 institutions across 20 states and the District of Columbia. Four and two-year institutions were included in Temple's study. Also alarming according to the study was that 36 percent of college students were housing insecure, and 9 percent were homeless. And despite lower costs at two-year colleges, a higher percentage of students were facing food and housing insecurities. The study claimed 42 percent of students at two-year colleges faced food insecurities, compared to 36 percent at four-year schools. Although the costs are lower at community colleges, researchers believe the rising cost of college is a significant factor causing students to go hungry. "Prices have gone up over time," Sara Goldrick-Rab, a professor of higher education policy at Temple and the lead author of the report, told the Washington Post. "But the rising price is just a piece. This is a systemic problem." To read the full study, click here.  1439

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